PackageTrendsPeer
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C E S

Mount Vernon, OH · Charter 62352

NCUA · 6 branches

Q2 2026

$244.3MAssets
$143.8MLoans
$210.7MShares
$32.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.84%, up 30 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.16% of loans (+3 bps YoY).
  • Capital: net worth / assets of 13.10%, up 121 bps from a year ago.
  • Funding: loans stand at 68.26% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.84%+30 bps YoY

Net Interest Margin (quarter, annualized)

4.03%+30 bps YoY

Efficiency Ratio (quarter, annualized)

63.92%-416 bps YoY

Net Worth / Assets

13.10%+121 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.59%1.62%1.73%1.84%+30 bps
Return on Equity12.96%12.83%12.84%13.51%14.05%+109 bps
Net Interest Margin3.73%3.85%3.85%3.99%4.03%+30 bps
Efficiency Ratio68.09%68.14%67.35%65.24%63.92%-416 bps
Growth
Asset Growth (YoY)7.31%8.00%5.40%4.96%4.45%-286 bps
Loan Growth (YoY)3.53%6.34%9.56%13.27%13.84%+1,031 bps
Share Growth (YoY)6.00%6.86%3.61%3.48%3.01%-299 bps
Asset Quality
Delinquent Loans / Loans0.12%0.10%0.30%0.15%0.16%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.89%12.41%12.66%12.83%13.10%+121 bps
Net Worth / Assets11.89%12.41%12.66%12.83%13.10%+121 bps
Liquidity & Funding
Loans / Shares61.76%64.41%64.86%66.40%68.26%+649 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps